Category: Financial management

Equities First Holdings, LLC (EFH) is a financial service company that provides lending solutions for businesses that have a high-net-worth and are looking for a non-purpose capital. The firm was founded in 2002 and has its head office at Indianapolis, Indiana. In addition, its branch office is located in New York City. It offers loans based on its assessment of risks and future performances of treasuries, stocks, and bond.

Since its founding, Equities First Holdings has enabled individuals and companies to obtain alternative funding against publicly traded stocks. As a result, the firm has transacted more than 650 applications that are worth over $1.4 billion. Furthermore, the funds provide clients with high loan-to-value rates, a lending risk assessment ratio that is examined by financial institutions before approving a mortgage, at minimum interest rates.

Margin Loans versus Stock-Based Loans

Equities First Holdings has increased its transactions in margin loans and stock-based loans. However, Al Christy, Jr., the founder and chief executive officer of EFH, notes that borrowers have difficulty in distinguishing margin loans from stock-based loans. In the case of margin loans, borrowers should be pre-qualified before applying for it. This is because; the bank may need to know the purpose of the loan. Additionally, the interest rates on loans are variable, and the loan-to-value ratios are between 10 and 50 percent. However, the bank can liquidate the collateral without notifying the borrower in case of a margin call, when a broker demands an investor to deposit more money to compensate possible losses that may arise.

Stock- based loans allow the borrower to use the money for any purpose; thus, the loans are non-recourse. Moreover, the borrower is offered fixed interest rates, an interest rate on a liability like a mortgage that remains the same during a loan period. It also provides the loan-to-value ratios that are between 50 to 70 percent.

Just like modern businesses, Equities First Holdings has capitalized on the mistakes of other businesses to offer quality and unique services. The company was established years ago after financial institutions tightened the lending criteria making it difficult to acquire a loan for a normal person. This move saw a migration of customers from margins loans to stock-based loans. Equity First Holding specializes with the customers that are in need of quick capital but does not meet the qualifications that have been put in place by the banks. EFH US is based in the US city of Indianapolis, Indiana with other offices in big cities like New York and Chicago. The chief executive officer of this company is Al Christy, and he says that plans are under way to expand its services to other cities in the United States.

Since its inception in the year 2002, EFH has managed to expand its operation in other parts of the Globe such as Australia, Singapore, Hong Kong and London. As a result, the following subsidiaries have come into place; Equities First Holdings Hong Kong, Equities First Holdings London, Equity First Holdings Singapore and Equities First Holdings Australia. All these subsidiaries offer the same services offered by the EFH US.

One thing has remained constant with all the branches. They continue to operate with the highest level of transparency and integrity. Customers are guaranteed that their stocks will be returned at the end of the deal. Over the years it has been operational, Equity First Holdings has managed to conduct over 700 transactions that have on the other hand earned the company over $1.6 billion. Their loans have low interest rates and are also fixed. The borrowed money can also be used for any purpose, and one can choose to walk away from the loan without further obligation.

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